Hello, I am also writing in to tell you Thank you. I have taken the Life Insurance test 3 times in the last year and failed each time, very brutal and time consuming in the trenches, until I found your videos on youtube. I finally passed my forth attempt on Friday thanks to your video's and breaking it down for me. Thank you again.
Congratulations!!! Today is my first day of training. Whew! A lot to take in with these terms and memorizing these definitions. Making flash cards as we speak. I can’t wait until I can say the same of passing the test. Congratulations again to you!!!
Thank you for sharing this. It gives me hope. I've lost some close family members last year and it has been extremely hard to study/concentrate or to even be able to work etc. Everyone here is inspirational. I appreciate you sharing and I wish you all the best!
For a few months now I have been searching tirelessly for information on how to start investing. I even payed $1000 for a course that I now regret. It appears that there is no structured guidiance for beginners on how to get started in this realm. I've come across several investors making well over $250k/annum and would be grateful if anyone on here could provide insights on how to get started, identify potential stocks, when to make an entry, exit etc.
Inflation is gradually going to become part of us and due to that fact any money you keep in cash or in a low-interest account declines in value each year. Investing is the only way to make your money grow and unless you have an exceptionally high income, investing is the only way most people will ever have enough money to retire.
You are right! I diversified my 450K portfolio across various market with the aid of an investment coach, I have been able to generate a little bit above 1.3m in net profit across high dividend yield stocks, ETF and bonds during this red season
DEBORAH STAVARACHE CASTRO is the analyst/brokerage-adviser. She has been of great help and her tutelage has brought me to a higher understanding of profit generation. You can look up her name on the net for her page and reach out. She Understands the job perfectly
To pass a life and health insurance exam, you will need to have broad knowledge of insurance concepts, policy types, taxes and federal regulations, not to mention the insurance laws in your state.
When you’re good people talk about you. I’m happy I came across Mr Willard, I was a single mother struggling with Health insurance exam now I can testify how good and reliable his services are .
I have been watching your videos all day. Thank you so much. 😊 I was supposed to take my exam yesterday but I pushed it out till Tuesday. I have been so frustrated, thinking I made a wrong decision. Then I found you. You are such a blessing. I swear this was like another language to me, lol. I wasn't getting it before. Thank you for presenting it in a way I can understand. You are awesome. Have a blessed day.
I just wanted to say thank you. I passed my life and health exam yesterday and I couldn’t have done it without your videos. You helped break it down where I could understand and pick back up with my Xcel training. Thank you so much ❤️
This helped me SO MUCH. I wish I'd found it sooner than the night before I took my exam, but either way, I passed!!! Thank you so much for this video. 💗🙏
Thank you for this video. I am a recent college graduate and previously terminated from my job due to covid reasons. I've applied to a financial firm and I have a very novice level experience with this profession. Im required to take this exam upon employment IF I am hired. I didn't know where to start but this is a good guide and I feel a little less anxious now. Sending good energies to everyone 🐢🧡
Im digging trenches at work about to take this test in a month. I'm dedicated to listening to your videos on my headphones and can't wait to look back on this comment after I progress in helping others in my life!🌞 thank you
Thank you for making these videos. I started my journey using the education website my eventual firm has provided me with, xcel solutions, and while they have great information and structure to the course there is nothing like learning from somebody you feel comfortable listening to. It makes it feel like much less of a chore through your content so I am grateful! I take my test in a couple of days, hopefully it goes well but nonetheless you have helped the ideas stick! Thank you!
You are a inspirational person! Thank you so much for taking the time to educate people and make a difference! I passed my test today with the help of your videos! So excited!!! Ready and excited to make a difference in people’s life’s!
I passed my exam after 3 weeks of studying/taking my ExamFM course. after the first week, I sought out videos like these and watched them every single day. Like mentioned in this video, I rode around playing this in my car.. no music, no podcast, not much tv, only this for 3 weeks. I wrote all my notes one time and told myself that I would rewrite them everyday but didn't (doing so would definitely help 100x more). instead I took a practice at least twice a day, I didn't end up passing until week 2. by the day before my exam the following week, I had achieved a practice test score of 87% and ended up passing my exam the next day with flying colors! it was honestly easier than the practice tests but I'll give it up to me putting in all the effort that I did. Using acronyms for everything also helped me. as mentioned in the video, you are given scratch paper to write what ever you want, so I chose to use it for everything lol.. I think some of these were mentioned here, if not, from other videos on YT (I'm just coming back after I passed my exam to try to help whoever takes it). although it may sound funny, to follow is the phrase full of acronyms that I used to remember a lot of different life/health info; doing it in this order was easiest for me in terms of memorization because it always read like a phone number while still making somewhat sense as a sentence.. if that makes sense B.I.G. F.A.M.O.U.S. C.E.R.M.M.IC. L.O.C.A.L. S.T.A.R.R. D.I.A.L. C.L.I.F.F. W.E.L.L.S.F R.E.C. W.A.S.H. C.R.A.P.P.O W.A.G.C.A.P.A. M.E.I A.E.I U/L A= ---- B= ^ B.I.G. F.A.M.O.U.S. C.E.R.M.M.IC. = provisions L.O.C.A.L. = legal contract S.T.A.R.R. = how to handle risk D.I.A.L. = term insurance W.E.L.L.S.F. = whole life insurance R.E.C. = non-forfeitures W.A.S.H. = exclusions C.R.A.P.P.O = dividends W.A.G.C.A.P.A. = riders M.E.I = how to determine premium A.E.I = agent authority U/L = A = level death benefit B = increasing Beneficiary designation (life only), Insuring clause, Grace period, Free look period, Assignments (life only), Modifications (life only), Owner's rights (life only), Unused premium, Suicide (life only), Consideration, Entire contract, Reinstatement, Mode, Misstatement of age/gender, Incontestability/Time limit on certain defenses, Common disaster (life only). Legal competence, Offer, Consideration, Agreement, Legal purpose Sharing, Transfer, Avoidance Reduction, Retention of risk Decreasing, Increasing, Annual renewable, Level Cash, Life income, Interest only, Fixed amount, Fixed period Whole life/traditional/pure/all the same thing, Endowment, Limited pay, Limited period, Single premium, Family Income+Family Maintenance Reduced paid up, Extended term, Cash War/military, Aviation, Suicide, Hazardous occupation Cash, Reduction of premium, Accumulation of interest, Paid up-addition, Paid up-option, One year term Wavier of premium, Accidental death, Guaranteed insurability, Cost of living, Accidental death & dismemberment, Payor benefits, Additionally insured. Mortality, Interest, Expense Apparent, Implied, Expressed hope it help! lets all get paid!!
Hello Tyra .. thank you for making this insurance study guide so pleasant and using your example to made terms easy to remember.. the words …ALRRRRIGHT thank you so much .. you’re blessing🙏🌈
Purchased your notes and they are very helpful and easy to understand I take my test in 3 weeks I will definitely be using those notes everyday wish me luck (:
You are awesome..I love your teaching..brilliant very clear and Concise, rather informative, to the point with the different illustrations brought it home for me..I am finished with part 2..is there a part 3,4,5..etc..
Thank you❤️ your first video and studying really helped me pass my test last November. I am now working and loving being apart of helping people get the protection they need.
Hello, I just want to reach out to let you know that your videos helped me so much. I took my exam and passed the first time. I appreciate you taking the time to post these videos. Many blessings!!!
Hello, thank you for your review notes. They are quite helpful. You mentioned you have assisted people on 6 different states. Is MA one of them? Thank you again
Please help! Is the Insurance Pre Course online is something I can enroll in st my Community College. Please give me the name of the accredited course.
Is there any way I can have you coach or have one on one small sessions with you via zoom? Is there a way I can get ahold of you? This would be absolutely life changing and your videos are super helpful. I learn at a slower pace and the way you break things down really help me understand the way I can!
Don't I have an insurable interest in you? I may not find this quality training for free anywhere else. I have probably at least $250 worth of insurable interest in you don't I?
Thank you so much. I’m getting ready to take my state exam. Up to this point I was just memorizing everything. I didn’t understand what I was reading. Thank you, thank you, thank you
I stumbled upon you on RU-vid! Your teaching skills are excellent. I my notes studied really 5 days prior. I listened to you the morning of my examed and I passed after 3 times!!!! Thank you!!!!
Dear Tyra, thank you so much for your efforts. You are highly appreciated. I am curious what is best book to study ( in addition to the notes you provided) ?
Hey guys I'm Joe from California I'm studying for my life only exam any advice you guys could give me just want to make sure I'm studying the right material before I take the test I already took California Course Bundle - Life, Accident and Health Insurance but there's so much information just want to know if I'm ok I'm kind of stressing .
Hi Tyra. we bought the life exam review from your part 1. the review ends at chapter 8. IT was very helpful for my review, So i bought another life exam review on your part 2, hoping this is a different material, covering from Chapter 8 to 12. but it turns out to be just the same material. Do you have the rest of the material that i can have? thank you!
Is there more video for the 2nd insurance exam notes part 2. I is seems like it cut off in the middle. We left off on the 4 step process SUPP. I downloaded your notes from the propose filled woman. I need more more More. Your really helping and motivating to understanding he concepts . I'm so excited to be doing this. Id love to take a class or listen to more videos of you insurance knowledge to pass the test. Any thing more that you can offer I would be great.
Thanks. I just bought your notes. I am testing in Utah on Friday! Ahh...fingers crossed. I appreciate these videos. Thanks for supporting those looking for resources.
